Innovate Financial, Inc.

Melissa Richter, Michael Nakashima, CFP®, & Lauren Brown


Michael Nakashima, CFP®

Certified Financial Planner™

President of Innovate Financial, Inc.


Mike established Innovate Financial, Inc. on January 1, 2007.  He is a graduate of the University of Iowa and his sixteen years of financial services experience includes working for TD Ameritrade, Jackson National Life and JA Counter & Associates.  In those positions he was able to learn from top financial planners about their investment philosophies, strategies and what they do to help individuals on all levels of the financial planning spectrum achieve their goals. 

Mike works with couples, individuals, business owners, farmers, federal employees and offers a wide scope of financial planning strategies.  Mike is Certified Financial Planner™ and also has Chartered Federal Employee Benefits Consultant designation.  He's proud to have trained thousands of federal employees on their benefits both while active and in retirement and continues to train federal employees nationally. 

Mike's main focus is Investment and Accumulation Planning, Retirement and Distribution Strategies, and Legacy Planning.  He is constantly educating himself and spends his free time reading, playing soccer, biking and spends as much time as possible with his wife, Kelly, and three children (Adilyn, Emma and Theodore).

Please email Mike at or call him at (612) 824-1107. 


Lauren Brown

Financial Planner and Investment Advisory Representative

Lauren is a financial planner and joined Innovate Financial, Inc. in 2011. She has been in the financial services industry since 2010. Lauren brings a diverse array of personlized financial planning experience to Innovate Financial. She is an expert on retirement income strategies, portfolio design, and coordinating federal benefits with her clients' financial plans. 

Lauren's mother joined one of Minneapolis' first RIA firms as a financial planner in 1990. Lauren grew up seeing first hand how when you work with people to reach their financial goals, you are helping them find security and enjoyment throughout their lives. Lauren first joined the financial planning industry because of her desire to help people. She excels at fine tuning financial strategies and will be able to assist her clients for the long term. 

Lauren and her husband Elliot, have two children, Mason and Aubrey. In her free time she loves yoga, running with her dog Sophie, and spending time with her friends and family.  

Please email Lauren at  or by phone at (612) 824-1107. 


Melissa Richter

Marketing and Administrative Specialist

Melissa joined Innovate Financial, Inc. in May/2013 and is our Marketing & Administrative Specialist.  She assists our clients with their service requests, helps get information out to people who have requested to be on our financial information mail lists, and helps coordinate events, seminars and other public events.  She's a great source of information and please reach out to her for your customer service needs. 

Melissa graduated from University of Kansas and has been in the financial service industry for seven years.  She has worked as an IRA Specialist, and for a managed future trader at the Chicago Board of Trade. 

Melissa and her husband, Rob, have two children, Wil and Maddie.  In her free time she enjoys spending time with her family and exploring the outdoors. 

Please feel free to contact Melissa at  or at (612) 824-1107. 


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